Credit union · NCUA insured
BrightStar Credit Union Auto Loan Rates
BrightStar Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 15, 2026.
How BrightStar Credit Union’s auto loan rates compare
Compared with banks and credit unions near Miami, FL, where BrightStar Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
BrightStar Credit Union
5.00%APR
- Terms
- —
- Up to
- —
- Discount
- Included in the rate
Electric Vehicle (EV) Loan
Lowest rate
SUN Credit Union
3.99%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
BrightStar Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BrightStar Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan Refinancing
Refinancing an auto loan from another lender. No application fees, no origination fees, and no prepayment penalties. No payments for up to 90 days. Does not apply to refinancing existing BrightStar CU auto loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.50% | Standard rate for non-Platinum Star Members for 36 months. |
| up to 36 months | 5.25% | Platinum Star Members rate for 36 months. |
Sources (1)
- bscu.org/auto-refinance · captured Oct 5, 2026
BrightSTART First Ride Auto Loan
Built for first-time buyers with starter budget and no long credit history required. Available for new and used vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.25% | Rates as low as 5.25% APR for up to 84 months. New and used vehicles eligible. |
Sources (1)
- bscu.org/brightstart-first-ride-auto-loan · captured Oct 5, 2026
Electric Vehicle (EV) Loan
Available for fully electric or plug-in hybrid vehicles. Includes a 0.25% APR discount.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.25% | Standard APR for Electric Vehicle (EV) Loan. |
| — | 5.00% | Platinum Star Membership (PSM) pricing for Electric Vehicle (EV) Loan. |
New or Used Car/Truck Loans
Terms up to 84 months. Membership eligibility required. Credit approval applies. First payment deferral up to 90 days available.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.50% | Standard rate for non-Platinum Star Members utilizing Auto Advisors for 36 months. Up to 84 months available. |
| up to 84 months | 5.25% | Platinum Star Membership (PSM) pricing utilizing Auto Advisor Service for 36 months. Up to 84 months available. |
Who can join BrightStar Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.